{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=WI",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "WI",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 68.8,
      "loan_officer": {
        "nmls_id": 284082,
        "slug": "ryan-hall-284082",
        "full_name": "Ryan Hall",
        "canonical_url": "https://lendb.ai/lo/ryan-hall-284082",
        "json_url": "https://lendb.ai/lo/ryan-hall-284082.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Menasha",
          "state": "WI"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/chrha-ryan-hall.jpg",
        "licensed_states": [
          "WI"
        ],
        "licenses": [
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2000-06-20",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2000,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/wi/menasha/ryan-hall-154-chrha.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Menasha, WI",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 35219), verified 2026-10-21",
        "Earliest state license record: June 20, 2000 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-hall-284082",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 35219), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 62.5,
      "loan_officer": {
        "nmls_id": 410338,
        "slug": "kimberly-shuey-410338",
        "full_name": "Kim Shuey",
        "licensed_names": [
          {
            "name": "Kimberly Shuey",
            "name_with_middle_initial": "Kimberly A. Shuey",
            "first_name": "Kimberly",
            "middle_initial": "A",
            "last_name": "Shuey",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Kimberly Shuey",
            "name_with_middle_initial": null,
            "first_name": "Kimberly",
            "middle_initial": null,
            "last_name": "Shuey",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338",
        "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "slug": "mutual-of-omaha-mortgage-1025894",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/04/Kim-Shuey.jpeg",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "CT",
          "DE",
          "MO",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-07-22",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2011,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 410338), verified 2026-10-21",
        "Earliest state license record: July 22, 2011 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 410338), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 61.8,
      "loan_officer": {
        "nmls_id": 1031048,
        "slug": "kathleen-hammes-1031048",
        "full_name": "Katie Hammes",
        "licensed_names": [
          {
            "name": "Kathleen Hammes",
            "name_with_middle_initial": "Kathleen E. Hammes",
            "first_name": "Kathleen",
            "middle_initial": "E",
            "last_name": "Hammes",
            "states": [
              "CO",
              "FL",
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          },
          {
            "name": "Kathleen Hammes",
            "name_with_middle_initial": null,
            "first_name": "Kathleen",
            "middle_initial": null,
            "last_name": "Hammes",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kathleen-hammes-1031048",
        "json_url": "https://lendb.ai/lo/kathleen-hammes-1031048.json",
        "lender": {
          "nmls_id": 1598647,
          "name": "Guaranteed Rate Affinity, LLC",
          "slug": "guaranteed-rate-affinity-llc-1598647",
          "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
          "type": "imb"
        },
        "branch": {
          "city": "Mequon",
          "state": "WI"
        },
        "headshot_url": "https://a.mktgcdn.com/p/F_r87F64u92LdLmNp3Dfm83JFlCj1VOw-Rl49G4nxJI/750x900.png",
        "licensed_states": [
          "FL",
          "CO",
          "MO",
          "WI",
          "IL"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-12-27",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2018,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/katie-hammes-1031048",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "Office in Mequon, WI",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 1031048), verified 2026-10-21",
        "Earliest state license record: December 27, 2018 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kathleen-hammes-1031048",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 1031048), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 61,
      "loan_officer": {
        "nmls_id": 95809,
        "slug": "stephanie-o-farrell-95809",
        "full_name": "Stephanie O'Farrell",
        "licensed_names": [
          {
            "name": "Stephanie O'Farrell",
            "name_with_middle_initial": "Stephanie L. O'Farrell",
            "first_name": "Stephanie",
            "middle_initial": "L",
            "last_name": "O'Farrell",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809",
        "json_url": "https://lendb.ai/lo/stephanie-o-farrell-95809.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "slug": "mutual-of-omaha-mortgage-1025894",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/08/Stephanie_OFarrell.png",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "CT",
          "LA",
          "DE",
          "MO",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2008-11-17",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2008,
          "state": "IL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/sofarrell/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 95809), verified 2026-10-21",
        "Earliest state license record: November 17, 2008 (Illinois), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 95809), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 59.5,
      "loan_officer": {
        "nmls_id": 133559,
        "slug": "steven-hochrein-133559",
        "full_name": "Steve Hochrein",
        "licensed_names": [
          {
            "name": "Steven Hochrein",
            "name_with_middle_initial": "Steven F. Hochrein",
            "first_name": "Steven",
            "middle_initial": "F",
            "last_name": "Hochrein",
            "states": [
              "AR",
              "CA",
              "CT",
              "DE",
              "FL",
              "IA",
              "LA",
              "MA",
              "MD",
              "MO",
              "NY",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Steven Hochrein",
            "name_with_middle_initial": null,
            "first_name": "Steven",
            "middle_initial": null,
            "last_name": "Hochrein",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559",
        "json_url": "https://lendb.ai/lo/steven-hochrein-133559.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "slug": "newrez-3013",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "headshot_url": "https://www.newrez.com/media/l0dokb2s/steven-hochrein-1.jpg?width=460&height=614&rmode=crop&format=webp&quality=80",
        "licensed_states": [
          "FL",
          "TX",
          "CT",
          "LA",
          "DE",
          "MO",
          "AZ",
          "MA",
          "AR",
          "IA",
          "WI",
          "CA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-02-21",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 133559), verified 2026-10-21",
        "Earliest state license record: February 21, 2011 (Florida), per state regulator",
        "States 14 years of experience (lender page, 2026-10-14)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 133559), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 56,
      "loan_officer": {
        "nmls_id": 1702764,
        "slug": "christopher-arnold-1702764",
        "full_name": "Christopher Arnold",
        "licensed_names": [
          {
            "name": "Christopher Arnold",
            "name_with_middle_initial": "Christopher M. Arnold",
            "first_name": "Christopher",
            "middle_initial": "M",
            "last_name": "Arnold",
            "states": [
              "AR",
              "CA",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/christopher-arnold-1702764",
        "json_url": "https://lendb.ai/lo/christopher-arnold-1702764.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "slug": "newrez-3013",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "headshot_url": "https://www.newrez.com/media/aa4llk2h/chris-arnold_web.jpg?width=460&height=614&rmode=crop&format=webp&quality=80",
        "licensed_states": [
          "FL",
          "TX",
          "CT",
          "DE",
          "MO",
          "AZ",
          "MA",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-01-30",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2018,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/chris-arnold/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 1702764), verified 2026-10-21",
        "Earliest state license record: January 30, 2018 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-arnold-1702764",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 1702764), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 7,
      "score": 54.5,
      "loan_officer": {
        "nmls_id": 393418,
        "slug": "steven-goldman-393418",
        "full_name": "Steven Goldman",
        "canonical_url": "https://lendb.ai/lo/steven-goldman-393418",
        "json_url": "https://lendb.ai/lo/steven-goldman-393418.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Minneapolis",
          "state": "MN"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Steven_Goldman.png",
        "licensed_states": [
          "WI"
        ],
        "licenses": [
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "heloc",
          "low-credit",
          "new-construction"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-11-10",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2025,
          "state": "WI"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/steven-goldman",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 3933418), verified 2026-10-21",
        "Earliest state license record: November 10, 2025 (Wisconsin), per state regulator",
        "States 25 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-goldman-393418",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 3933418), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 8,
      "score": 54.5,
      "loan_officer": {
        "nmls_id": 420787,
        "slug": "james-simpson-420787",
        "full_name": "Jim Simpson",
        "licensed_names": [
          {
            "name": "James Simpson",
            "name_with_middle_initial": "James S. Simpson",
            "first_name": "James",
            "middle_initial": "S",
            "last_name": "Simpson",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "IA",
              "LA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "James Simpson",
            "name_with_middle_initial": null,
            "first_name": "James",
            "middle_initial": null,
            "last_name": "Simpson",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/james-simpson-420787",
        "json_url": "https://lendb.ai/lo/james-simpson-420787.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "slug": "mutual-of-omaha-mortgage-1025894",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "CT",
          "LA",
          "DE",
          "MO",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-01-15",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2015,
          "state": "CO"
        },
        "years_experience": 22,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/jsimpson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 420787), verified 2026-10-21",
        "Earliest state license record: January 15, 2015 (Colorado), per state regulator",
        "States 22 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-simpson-420787",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 420787), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 9,
      "score": 54.5,
      "loan_officer": {
        "nmls_id": 2268018,
        "slug": "william-white-2268018",
        "full_name": "Bill White",
        "licensed_names": [
          {
            "name": "William White",
            "name_with_middle_initial": "William G. White",
            "first_name": "William",
            "middle_initial": "G",
            "last_name": "White",
            "states": [
              "FL",
              "NY",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-13"
          },
          {
            "name": "William White",
            "name_with_middle_initial": null,
            "first_name": "William",
            "middle_initial": null,
            "last_name": "White",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/william-white-2268018",
        "json_url": "https://lendb.ai/lo/william-white-2268018.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cincinnati",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/asset/72bea30b-7266-419d-aa15-a1865388b78a/Website/2118_White_2268018.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "WI",
          "AL",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "NC",
          "OH",
          "OK",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-12-13",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 2268018), verified 2026-10-21",
        "Earliest state license record: December 13, 2021 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/william-white-2268018",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 2268018), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 10,
      "score": 54,
      "loan_officer": {
        "nmls_id": 457108,
        "slug": "eric-raso-457108",
        "full_name": "Eric Raso",
        "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
        "json_url": "https://lendb.ai/lo/eric-raso-457108.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Tempe",
          "state": "AZ"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso",
        "licensed_states": [
          "FL",
          "CO",
          "CT",
          "DE",
          "LA",
          "MO",
          "PA",
          "TX",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "RI",
          "SC",
          "SD",
          "TN",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "renovation",
          "reverse",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-08-27",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2014,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 457108), verified 2026-10-21",
        "Earliest state license record: August 27, 2014 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 457108), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}